Ujjivan Financial Services Ltd.

Financial

	Ujjivan Financial	SBFC Finance	Fedbank Financial
Operational Metrics
Banking Sector
Net Interest Margin	8.8 %	9.9 %	9.5 %
NBFC
Cost To Income Ratio	72.0 %	57.19 %	n/a
Cost of Borrowing	6.3 %	7.65 %	8.7 %
AUM - NBFC	18162.0 Crs	6822.0 Crs	12200.0 Crs
Capital to Risks Assets Ratio (CRAR)	19.0 %	40.5 %	23.5 %
Tier I Capital	20.4 %	n/a	14.7 %
Gross NPA	7.1 %	n/a	n/a
Net NPA	0.6 %	n/a	n/a
Financials
5 yr Average ROE	5.88 %	6.91 %	8.59 %
5yr average Equity Multiplier	8.63	3.52	5.87
5yr Average Asset Turnover Ratio	0.14	0.12	0.12
5yr Avg Net Profit Margin	4.98 %	16.46 %	11.73 %
5yr Avg Net Profit Margin	4.98 %	n/a	11.73 %
5yr CAGR Net Profit	42.72 %	n/a	38.71 %
5yr CAGR Sales	18.86 %	n/a	36.52 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.98	3.32	2.08
P/E	8.76	38.93	19.23
Shareholdings
Promoter Holding	0.0	60.66 %	61.58 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.39 %	-21.01 %
Change in Mutual Fund Holding (3 Yrs)	4.84 %	0.79 %	2.59 %

Business

	Ujjivan Financial	SBFC Finance	Fedbank Financial
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 71.93 Secured Housing Loans 14.12 MSE 6.62 Personal Loans 0.61 2W Loans 0.58 Staff Loans 0.39 Agri Loans 0.35 Gold Loan 0 Rural 0 Affordable Housing 0 Group Loans 0 Others 5.4	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.76 Fees And Commission 3.0 Unsecured Loan 0 Loan against Property 0 Loans against Gold 0 Secured MSME Loans 0 Others 0.24	Product Wise Break-Up Loans against Gold 15.0 Interest Income 0 Loan against Property 0 Fees And Commission 0 Secured MSME Loans 83.0 Unsecured Loan 0 Others 2.0	-
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 15.47 Karnataka 13.38 West Bengal 12.18 Maharashtra 8.91 Gujarat 7.95 Bihar 7.3 Uttar Pradesh 6.51 Haryana 5.46 Rajasthan 4.14 New Delhi 3.78 Orissa 2.62 Punjab 2.56 Jharkhand 2.34 Kerala 1.8 Madhya Pradesh 1.54 Tripura 1.13 Assam 0.89 Pondicherry 0.57 Uttarakhand 0.54 Chhattisgarh 0.43 Chandigarh 0.21 Himachal Pradesh 0.13 Medium Enterprise 0.1 Goa 0.06 India 0	-	Location Wise Break-Up New Delhi 0 Bihar 0 Jharkhand 0 Kerala 0 Medium Enterprise 0 Haryana 0 Madhya Pradesh 0 Goa 0 Punjab 0 Pondicherry 0 Chhattisgarh 0 Tripura 0 Uttar Pradesh 0 Orissa 0 India 100.0 West Bengal 0 Karnataka 0 Uttarakhand 0 Tamil Nadu 0 Maharashtra 0 Assam 0 Rajasthan 0 Chandigarh 0 Himachal Pradesh 0 Gujarat 0
Operating Profit Break-Up	Operating Profit Break-Up Whole Sale Finance 0 Retail Finance 0 Distribution 0 Others 100	-	Operating Profit Break-Up Retail Finance 73.91 Distribution 0.43 Whole Sale Finance 0 Others 25.66
Borrowings Break-Up	Borrowings Break-Up Banks 8.67 Securitisation 0 NCDs 0 IBPC 0 Legacy 0 CD (<3 months) 0 Refinance 0 Deposits (TD 0 Term loans from other Parties 0 Term loan from Related Party 0 Bank 0 Others 91.33	-	Borrowings Break-Up Term loans from other Parties 10.86 Banks 0 Legacy 0 NCDs 0 CD (<3 months) 0 Securitisation 0 Refinance 0 Deposits (TD 0 Bank 79.76 Term loan from Related Party 9.38 IBPC 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Distribution 0 Retail Finance 0 Whole Sale Finance 0 Others 100	-	Asset Break-Up - Segment Wise Retail Finance 99.45 Distribution 0.06 Whole Sale Finance 0.26 Others 0.23
Segment Wise Break-Up	Segment Wise Break-Up Financial Services 100.0	-	-

Ujjivan Financial Services Ltd.

Ujjivan Financial Services Ltd.

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